• Awareness meeting to street zonal leaders, microcredit committee and wards management. • Selection of needy target group (women and youth groups) for training and financial support after training. We selected groups which are visible and reachable. • Identification and registration of groups which are known by community/street/village/ward leaders as part of security. • Visiting loaned groups. • Training on entrepreneurship and loan management to selected groups. • Conducted three to four days entrepreneurship training to selected women and young youth leaders. • Data collection • Monthly follow up and monitoring • Loan provision from clients • Weekly loan collection from clients • Conducting meeting with some clients to share the challenges and success stories • Compiling monthly reports • Banking and updating cash books • Writing books of accounts • Signing loan agreements.

MFI-PROGRAMME ACHIEVEMENTS 2013 • Clients have been able to meet their basic requirements and improve their life. • Loan beneficiaries have been able to support their children and other dependents basically on food, clothes, education fees, health services and etc. • Loaned groups have been more creative in running their small scale businesses after getting training in business management. • After having been loaned by IDYDC, many groups are now self employee instead of being employed by government or other individuals. • The loan support to family group especially poor families has reduced the number of street and vulnerable children. • Loan beneficiaries have been able to increase the income in their families.

PROGRAMME CHALLENGES IN 2013 • Small loan capital and failure of loan repayment by some clients had caused the loan services to stop in some districts such as Njombe, Ludewa and Mufindi and Kilolo. • Many courts have taken a lot of time to take action against the client’s cases who fail to complete repayment in time.

STRATEGY TO COMBAT 2013 CHALLENGES

• To continue fundraising and requesting funds from different donors to support the programme. • To restart MFI loan activities with new approach to districts which have completely ceased to provide loans. • To conduct frequent loan meetings with loaned groups, zone leaders, village leaders and credit office

IDEAS TO IMPROVE THE PROJECT • To conduct frequent loan training seminars to clients in order to update and improve their businesses and eventually make their repayment in time. • To be serious in loan follow up so as to promote and maintain good and timely repayment trend as indicated in the loan agreement. • To increase follow up effort to client’s loan cases already sent before the court.

IDYDC intends to reach out to more target people, especially Women and youth in all seven districts of Iringa region and other parts of Tanzania for who we need financial support.